NIEsGDP 1990 200436.1 22.365.1 80 GDP 4 RIM 2006 Vol.6 No.22
RIM 2006 Vol.6 No.22 5 NIEs GDP GDP
GDP GDP 90 GDP 1951 80 81 90 90 90 2001 2003 GDP 80 90 2001 2002 GDP 87GDP 80 GDP GDP 6 RIM 2006 Vol.6 No.22
5,000 92 GDP5,000 GDP 60 70800.277 80 90 97 9252.0 200347.1 60 70 80 9330.7 RIM 2006 Vol.6 No.22 7
GDP 200324.4 80 93 99233,770 20063.5 2004198,600 250 200 150 100 50 0 1964 70 75 80 85 90 95 2000 03 8 RIM 2006 Vol.6 No.22
80 9269.3 200375.6 GDP 83 2004GDP Flow of Funds RIM 2006 Vol.6 No.22 9
90 GDP10 IT 20012003 2004 8020 20049.8 GDP80 2004 GDP4.22.82004 2.42004 10 822.9 222004 14.943.2 190620 19 87 Bowers, pp. 211-242. World Bank1993. The East Asian Miracle: Economic Growth and Public Policy, World Bank, Washington D.C. 20042005 GDP 10 RIM 2006 Vol.6 No.22
90 70 80 80 11 80 RIM 2006 Vol.6 No.22 11
12 GDP 2004 44.0 3.430.8 34.6 11.3 1.4 20 8090 2050 20 13 8095 GDP9231.197 12 RIM 2006 Vol.6 No.22
0.990 97 2004GDP 0.4 97 14 7476 8082 100 RIM 2006 Vol.6 No.22 13
80 90 2001 2005 10 15 GDP 9211.9 90 20040.7 16 9176.4 200458.8 90 2004 9,836 20046.0 20032004 200413.0 14 RIM 2006 Vol.6 No.22
RIM 2006 Vol.6 No.22 15
17GDP 2000 9420049,521 8,7355.1 0.411.3 888 6,2007.0 0.41.4 18 4555 659.5 2004 20052,2862021 2,3702051 1,959 16 RIM 2006 Vol.6 No.22
GDP 19826,414 2004 3,164 GDP81.5 200492.0 6,494 GDP GDP 96101.0 200481.5 20 20 8650.896131.5 97 GDP 5,00087 90 20002001 RIM 2006 Vol.6 No.22 17
Flow of Funds 2002 21 GDP88 23.48,410 GDP6,5132005 18 RIM 2006 Vol.6 No.22
GDP 5.7 3.412662000 66.282.5 66231 70264 75308 80368905092000699 13 97 59.46,135 11886,510 77.4 2005 6,978 71.0 56 20009312,230 164648 521 1.520054,545 6.7 2005521 2.1 22 2003 RIM 2006 Vol.6 No.22 19
257,178 63,320 221,993 58,962 35,185 4,358 383,963 577,821 44,413 93,481 46,930 190,447 72,012 641,141 641,141 Statistical BureauNational Wealth Statistics 2003 Patrick, p. 281 Shea, Jia-Dong, p.281 97 100 80 85 CDIC 99 100 10 11 2005 12Statistical Bureau2005, National Wealth Statistics Statistical Analysis Abstract. 13Ibid. 641,141 257,178 40.1 577,821 2003GDP5.6 nonprofit organization 7047.6 70745.8 44.91.7 47.642.6 20 RIM 2006 Vol.6 No.22
1,392 1,392 1,392 1,392 1,392 6,961 2.03 3.13 3.84 4.19 4.46 3.53 0.62 1.20 1.59 1.94 2.35 1.54 358,916 664,930 908,716 1,237,701 2,153,862 1,064,826 105,778 335,005 478,177 752,025 1,405,484 615,294 41,039 113,545 188,808 202,528 308,589 170,902 15,648 23,200 31,909 45,610 126,180 48,510 33,929 48,908 60,610 72,149 99,013 62,922 162,230 144,098 149,038 165,229 214,466 167,012 292 174 174 160 130 186 296,297 545,465 745,231 1,021,325 1,799,992 881,662 294,645 491,137 650,448 802,983 1,092,645 666,372 99.4 90.0 87.3 78.6 60.7 75.6 ( 資料 ) Statistical Bureau Report on the Survey of Family Income and Expenditure in Taiwan Area, 2003 より作成 232003696 2.030.62296,297 4.46 2.351799,992 6.1 2410 2004 891,249 10 216,719 102186,420 10 10 RIM 2006 Vol.6 No.22 21
14 25 2004 5199 70 5852 26 2003 3.3 111 53 84 65 992,490 482,394 699,289 189,194 582,130 72,035 515,622 5,527 481,919 28,177 438,039 72,057 371,930 138,166 256,385 253,711 510,095 Statistical BureauReport on the Survey of Family Income and Expenditure in Taiwan Area, 2004 11.4 17.7 34.46.7 80 526 100.0 6,898 100.0 1,111 5.1 100.0 228 3.3 100.0 836 7.1 94.9 636 9.2 96.7 654 17.7 87.8 1,549 22.5 87.5 467 11.4 70.1 963 14.0 65.0 465 17.7 58.8 841 12.2 51.1 418 34.4 41.1 2,612 37.9 38.9 222 6.7 6.7 70 1.0 1.0 Statistical BureauReport on the Survey of Family Income and Expenditure in Taiwan Area, 2003 22 RIM 2006 Vol.6 No.22
1,164 200427 2530 455461 6536 28 102004 116 251310.8 10 10 25 791 6.8 302,740 126 10.8 0.4 0.0 6.8 25 29 1,293 11.1 408,752 65 5.6 21 1.8 7.6 30 34 1,376 11.8 508,405 55 4.7 90 7.7 8.2 35 39 1,421 12.2 556,191 55 4.8 150 12.9 8.3 40 44 1,617 13.9 589,203 89 7.6 227 19.5 8.8 45 54 2,617 22.5 611,416 201 17.3 449 38.5 10.2 55 64 1,144 9.8 551,022 166 14.3 173 14.8 10.8 65 1,384 11.9 359,857 406 34.9 54 4.7 10.4 11,642 100.0 510,095 1,164 100.0 1,164 100.0 8.8 Statistical Bureau Report on the Survey of Family Income and Expenditure in Taiwan Area, 2004 RIM 2006 Vol.6 No.22 23
654134.9 10 25400 0.0654.7 4554 4538.5 28 10 256.8 5564 10.8 25 2940 44 6529 25 29 2003113 30 24 RIM 2006 Vol.6 No.22
40 4440 70 65 70 105564 1381130 34148,906 30200 500 200 5,148 4554 5009,909 5564 65 31 36.1 2004 22.3 2004 65.16,469 2001 20011.620023.5 4,516 302 RIM 2006 Vol.6 No.22 25
952004 1160 123 238657 9369.3 200375.6 23 99.460.7 26 RIM 2006 Vol.6 No.22
3.7 6.1 32 26.8 21.3 1,95123 8,34239 2.033.53 5,298 7,519 13 14.8 68 2004 33 RIM 2006 Vol.6 No.22 27
98.2 91.9 62.9 1.4 90.4 19.6 99.6 97.8 84.2 4.3 97.1 35.2 99.9 98.9 91.3 7.9 98.9 47.0 99.8 99.5 94.2 13.2 98.9 56.3 99.9 99.7 96.1 24.6 99.2 67.0 19.2 63.7 50.5 14.3 18.1 80.9 47.1 83.0 86.8 25.6 51.7 83.3 64.2 86.9 94.8 33.7 70.9 87.5 74.9 87.2 97.7 41.9 81.0 90.3 84.8 83.0 98.7 52.8 90.3 92.0 資料 ) Statistical BureauHousehold Surveyより作成 80.9 92.0 19.2 84.8 3410 8,522 2.1 28 RIM 2006 Vol.6 No.22
2,322 1.1 10 1.4 14 35M2GDP 80 RIM 2006 Vol.6 No.22 29
522005 8132,2862.8 GDP 20212026 6514 45 5445019.7 55 642.2 20041,145 21.9251 20045,999 26.9 80 GDP 90 30 RIM 2006 Vol.6 No.22
3610 2004 2,700 26.6 34.9 10500 4.1 RIM 2006 Vol.6 No.22 31
15 200645 3,256 16 90 200634 66 5,009 2.9 2005 786 201 20060.78 2.46 ATM 9610,4592006 24,45817 1,000 80 32 RIM 2006 Vol.6 No.22
RIM 2006 Vol.6 No.22 33 2001 80 2005 48.628.32005
37 34 RIM 2006 Vol.6 No.22
2003 51 10716 21571 9654720064,368 20041,164 Mass Affluent liquid savings10 100 5010 18 100 4,500 28 30 High Net Worth2003194,200 2008328,000 World Wealth Report 2005 100 20046.4 55,400 19 UBS 2001 100 ABN200510 RIM 2006 Vol.6 No.22 35
liquid assets 100BNP 200510 50 200512 202005High Net Worth High Net Worth 300 Mass Affluent 21 64 200511 2,50020 2005 46.5 4.2 186 2005 22 2005The Taiwan Government Bond Index Foreign Sovereign Performance Benchmark0.59 200523 36 RIM 2006 Vol.6 No.22
RIM 2006 Vol.6 No.22 37 2006185 3.8 24 2004 25200512 3,100 200511 20 80 10 2000 7.5 200410.2
International Bank of Asia 15 90 16 9684,9812005 138,1746,383 9,356 17Asian Banker Research2005. The 2005/06 Asian Banker Databook 18Bowers, pp. 211-242. 19Taiwan Business News, September 11, 2005 and Asia Money, July 2005. 20Taiwan Business News, November 11, 2005, The China Post, July, 2005, The China Post, June, 2005. 21 http://www.citibank.com.tw/twgcb/jps/portal/ LocaleSwitch.do?locale=en_TW 22Asia Money, September, 2005, p.50. 23Taiwan Economic News, January 13, 2006. 242005104 25Private Banker International, December 19, 2005 and Taipei Times, December 15, 2005. 80 GDP 38 RIM 2006 Vol.6 No.22
90 10 38 r - RIM 2006 Vol.6 No.22 39
r C C Y C 80 39 Y 40 RIM 2006 Vol.6 No.22
RIM 2006 Vol.6 No.22 41 GDP81.52004 422.8
42 RIM 2006 Vol.6 No.22
1997 2005 2001 128-150 1999 20042003 2005 1998 2001 2005 101994 112001 122003 1320051980-45 142004 2004 151997 178-209 162002 17 182003 19The Asian Banker Research2005a. The Top 10 Global Retail Banks: Growth Strategies of the Key Global Players, the Asian Banker Research, Singapore. 20 2005b. The 2005/06 Asian Banker Data book, the Asian Banker Research, Singapore. 21 2005c. TaiwanCountry Report, the Asian Banker Research, Singapore. 22Bowers, Tab, Greg Gibb, Jeffrey Wong 2003. Banking in Asia: Acquiring a Profit Mindset2nd edition, Singapore, John Wiley & SonsAsiaPte Ltd. 23Central Bank of China. Annual Report, various issues. 24Directorate General of Budget, Accounting and Statistics Executive Yuan2005. Statistical Yearbook of the Republic of China 2004. 25FSA. Annual Report, various issues. 26Pricewaterhouse Coopers2003. Asia-Pacific Private Banking/Wealth Management Survey 2002/2003. 27Statistical Bureau2005. The Survey of Family Income and Expenditure. 28Small and Medium Enterprise Administration, Ministry of Economic Affairs2005.White Paper on Small and Medium Enterprises in Taiwan, 2005, Small and Medium Enterprise Administration. 29Patrick, Hugh T.1994.Comparisons, Contrasts, and Implications,in Hugh T. Patrick and Yung Chul Park eds. The Financial Development of Japan, Korea, and Taiwan: Growth, Repression, and Liberalization, Oxford University Press, pp. 325-371. 30Yang, Ya-Hwei 1994.Taiwan: Development and Structural Change of the Banking System,in Hugh T. Patrick and Yung Chul Park eds. The Financial Development of Japan, Korea, and Taiwan: Growth, Repression, and Liberalization, Oxford University Press, pp. 288-324. 31Shea, Jia-Dong1994.Development and Structural Change of the Financial System,in Hugh T. Patrick and Yung Chul Park eds. The Financial Development of Japan, Korea, and Taiwan: Growth, Repression, and Liberalization, Oxford University Press, pp. pp. 222-287. RIM 2006 Vol.6 No.22 43